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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Assets per participant exceed $250,000 - top-decile high-value plan.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $569,932 | $155,555+266.4% | $146,866+288.1% | $155,188+267.3% |
| Participation rate | 55.6% | 84.0%-28.4pp | 82.5%-27.0pp | 80.8%-25.2pp |
| Annual return | 10.53% | 115.41%-104.9pp | 102.85%-92.3pp | 148.84%-138.3pp |
| Employer contribution / active EE | $1,850 | $4,647-60.2% | $4,425-58.2% | $4,248-56.4% |
| Participant deferral / active EE | $8,015 | $8,044-0.4% | $7,759+3.3% | $6,531+22.7% |
| Admin fee / account holder | $2,745 | $14,755-81.4% | $13,620-79.8% | $14,480-81.0% |